![ph1.PNG](https://steemitimages.com/DQmcYGSpznAZjuJW2UhFFA9HSfUXYQ2bfYB3Q4EyWikK7Qi/ph1.PNG)


**Introduction:**

I am a shopaholic! I love to splurge and pamper my spirits in a while. But fret to break my tendons, fishing for the right fit and style through a multitude of shops; or else, look for the best deals within the most happening brands. Here comes online shopping sites to my rescue, I sit with a frothing cup of coffee in my cozy sofa and still feel myself with the shopping basket moving through sections and departments in a megastore. The craziest of discounted deals with options of virtual trial rooms, comparative steals and even chat options with friends when in indecision. How? Through a lazy flick or click of my finger.

When it comes to shopping, health advice, books, banks and even study websites; we find an eclectic mix of technology and human intervention to satisfy our needs at our own convenience with our mobiles as the only essential requirement.

But as far as savings are concerned, we are either driven to the traditional banking, mutual funds and insurance that provide low or negligible returns, involve too many formalities, and are often misleading and tedious. Or there can be the option of financial markets and stock exchanges for more flamboyant risk seekers who are presumably at the mercy of brokers or their own insights.

This brings forth the herculean and intelligible job that wealth and asset managers provide to both private and institutional investors. 'Wealth management is a high-level professional service that combines financial and investment advice, accounting and tax services, retirement planning and legal or estate planning for one set fee' as per Investopedia. In simple terms, these institutions help us lay our savings in the right places for the right period to access the maximum returns.

Here too, the 2007-2008 financial crisis led to increased regulations and scrutiny on part of the authorities and increased skepticism on part of the customers. This lead to a lull period and the industry could finally revive in 2015.

The digital world is currently revolutionized by cryptocurrency that works through a blockchain mechanism offering maximum benefit but is highly volatile and the recent blow to the ever rapturing Bitcoin and other cryptocurrencies has subdued further investments.

What if the best of both worlds-wealth management and cryptocurrency could be synergized on a single platform for the benefit of both the investors and managers?

Here comes the PLATFORM FOR HYBRID INVESTMENTS to the rescue!

**What is PHI Platform??**

The parent company DIAMAN Partner LTD. has been successful to bring forth a platform where clients can invest in a multitude of assets including crypto assets and their portfolios. It is a fully digitised and automated platform complemented by the technical and financial know-how of seasoned wealth managers.

![ph3.PNG](https://steemitimages.com/DQmdR6i8GrvzZ2GHMzAQRTb9DCmsL8NTMN4HMWRgK6e4NkM/ph3.PNG)

It overcomes the serious problems posed by wealth management industries through:

-  Reducing the cost of investment services
-  Curtailing detailed and complex procedure
-  Hassle free KYC norms
-  Convenience and anytime availability
-  Discouraging sale of captive and expensive products
-  Ensuring transparency and competition

It ensures personal and professional guidance for achieving specific goals and meeting personalized demands through wealth and asset managers and institutions participating in the platform.

The parent company also intends to issue a PHI token to finance the project on one hand and share the ownership and success with those who believe in the venture or want to be a part of it.

**How it works??**

There are basically three concepts involved that makes this project a viable and evolutionary step in digital investments.

-  Digitization of all procedures such as face recognition, the authenticity of documents and legal acceptance of digital signatures. This will not only reduce cost, but omit human errors and supplement quick decision making.
-  Gamification for collecting the profile of clients through games rather than tedious question-answer sessions. It also fosters competition between the private investors and asset managers which helps in maintaining transparency and comparing the best managers.
-  Diversification of investments in traditional and crypto assets ensures maximum benefit with reduced risk through portfolio or basket of choices well-tailored to suit specific needs.

![ph2.PNG](https://steemitimages.com/DQmYxQVfhNkjSqWHAZWjRrvHGnGQDX2Z7jhTrGz3wDx94HR/ph2.PNG)

**PHI Token**

The PHI token is built on Ethereum platform. PHI tokens can be used to buy a stake in the platform. They can be further used to avail the services of asset and wealth managers. The payments will be acceptable in tokens with a 30% cashback to encourage its use over fiat currency. The PHI tokens will be slowly bought and burned back to ensure further growth and sustainability.The maximum total amount of PHI Tokens to be issued is 24,157,817. Purchases of PHI Tokens are non-refundable.

### **TOKEN DISTRIBUTIONS**

-  Token for investors (61.8%)
-  Airdrop after 6 month (3.4%)
-  Management/Employee (11.1%)
-  M&A and Buffer (23.4%)

![phi.PNG](https://steemitimages.com/DQmd1GmssWyjpHbACGfNwqHUZhEyp1qLkjfWtUx7kEX99ax/phi.PNG)

###
**USE OF RESOURCES**

-  Platform Development (30.2%)
-  Marketing (18.6)
-  Business Development (41.4%)
-  Advisors, Legal & Compliance (5.4%)
-  Research & Development (4.4%)

**ICO Details**

The presale is closed. The PRE ICO start date is 3rd March, 2018 with a closing date of 8th March 2018. Duration of ICO will be for thirteen days (until 21st March).

The hard cap is fixed at 14,930,352 Token.

The soft cap is fixed at 1 million USD.

The value of the PHI token during ICO stage is established as 1.61803 USD per token.

**Concluding Remarks:**

The project brings together the delights and tries to eliminate the discrepancies while bringing together traditional and digital instruments of investment. The project is ambitious yet fully viable with a solid core and a host of other supplementary services that it provides to the users.

From investors point of view, it invites them to be a part of their success and further benefit with its growth.

The clients, investors and managers will be on equal footing competing their credibility scores and supplying them with humongous profits of digital currencies, professional know-how and elaborate well-structured investment portfolios.

All in all, PHI platform is the evolution of asset management and the future of investments.

**More Details on:**

ICO website: [https://www.phitoken.io](https://www.phitoken.io)

Whitepaper: [https://firebasestorage.googleapis.com/v0/b/phi-tokens.appspot.com/o/pdf%2FWP\_PHI\_Token\_v1.0.7.pdf?alt=media&token=38285346-519f-42cf-b803-14e803c1ff07](https://firebasestorage.googleapis.com/v0/b/phi-tokens.appspot.com/o/pdf%2FWP_PHI_Token_v1.0.7.pdf?alt=media&token=38285346-519f-42cf-b803-14e803c1ff07)

Twitter: [https://twitter.com/PhiToken](https://twitter.com/PhiToken)

Facebook: [https://www.facebook.com/PHIToken/](https://www.facebook.com/PHIToken/)

Telegram: [https://t.me/joinchat/AecpoEhlgK2yC70FzPp0iA](https://t.me/joinchat/AecpoEhlgK2yC70FzPp0iA)

ANN Thread: [https://bitcointalk.org/index.php](https://bitcointalk.org/index.php)

Blog by: Lanirm Knayam

BTT profile: [https://bitcointalk.org/index.php?action=profile;u=1308391](https://bitcointalk.org/index.php?action=profile;u=1308391)